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Checked against official sources · Last reviewed October 13, 2026

What homeowners insurance costs in Nevada: average premium, 2023 $1,013 a year in Nevada vs. $1,737 countrywide · 49th highest of 51 · All states (HO-3 policies; NAIC)

Nevada's market right now

The Division says Nevada's home insurance market "has been challenged in 2023 and 2024 by rising insurance premiums" and by some insurers restricting coverage in areas "considered to be more prone to wildfire losses." Its 2025 Insurance Market Report to the Legislature gives these figures from its 2023 and 2024 data calls:

The Division said it expects wildfire-related "adverse actions" to keep rising after 2024. It found forty ZIP codes where declinations, cancellations and nonrenewals were much more frequent than the statewide average, heavily concentrated in Washoe County, Carson City and Douglas County. Homes near Lake Tahoe and along the eastern Sierra Nevada are "particularly affected."

The Division has approved catastrophe models for insurers' rating, but says insurers are prohibited from using model outputs as the sole reason to deny, cancel or non-renew a policy in Nevada.

2026 fires: On Aug. 11, 2026, the Division noted that the Governor had declared an emergency for the Bug and Fred Mountain fires. Its Bulletin 26-003 (Aug. 26, 2026) said the Hawk, Bug, Fred Mountain, Stallion, Oxley and Sombrero fires had affected over 150,000 acres in northern Nevada. The bulletin asks (it does not order) insurers to be flexible on the timing of premium payments, to be flexible on additional living expenses for people who evacuated, including those whose homes weren't on official mandatory evacuation maps, and to consider that burn scars raise flood risk when making claim decisions. For claim steps, see the Division's wildfire recovery page. [9][17][18][19]

The 2025 wildfire law (AB 376)

Assembly Bill 376 of 2025 changed Nevada's property insurance rules. The Governor approved it on June 9, 2025 (Chapter 423). The parts that matter most to homeowners took effect Jan. 1, 2026:

- Wildfire can be excluded. Under NRS 691A.035, "an insurer that issues a policy of property insurance may exclude the peril of wildfire from the coverage provided under the policy." An insurer may also sell a policy that covers only wildfire, on its own or alongside a policy that excludes it. The law defines wildfire as "an unplanned and uncontrolled fire in an area of combustible vegetation that originated from outside any residential or commercial property." An insurer may use a different definition only if the Commissioner approves it. - A testing "sandbox." The Commissioner must run a Regulatory Experimentation Program for Insurance Product Innovation, a 4-year program in which approved insurers can test new property insurance products without meeting some Insurance Code requirements. Testing is limited to 36 months, plus one extension of up to 12 months. Consumers must get certain disclosures first. The program sections expire Jan. 1, 2030. - Faster small rate increases. Insurers can use a "flex-rated" filing for rate increases on property insurance covering real property, such as homes, within limits the Commissioner sets. In Bulletin 25-005, the Commissioner set both the overall rate impact limit and the limit for any single policyholder's increase at 3% from Jan. 1, 2026, until changed by regulation. Such an increase can't hit an existing policyholder until renewal, and not sooner than 45 days after the filing.

A separate rule already in place, NRS 687B.350, says an insurer may not renew a policy with a change in policy or coverage provisions, including a change in rates or premiums, unless it notifies you in writing at least 30 days before the policy expires. If it fails to, it must renew on the expiring terms. As of Oct. 13, 2026, we found no Division notice saying which insurers, if any, have begun excluding wildfire; confirm with your insurer or agent what your renewal covers. [6][7][20][21][22]

Can't find insurance? What the Division suggests

Many states have a FAIR plan, a state-created pool that sells basic insurance when regular insurers won't. Nevada does not. Asked "does Nevada have a high-risk pool?", the Division lists only two: one for required auto liability insurance and one for workers' compensation. A 2025 bill, AB 437, would have created a FAIR plan, but it stalled in the Assembly: the Legislature's bill history shows "no further action allowed" as of April 23, 2025. The published NRS chapter 691A (property insurance), which includes the 2025 wildfire section, has no FAIR plan.

What the Division points homeowners to instead:

- The Homeowner Coverage Tool. It lists admitted insurers "currently accepting applications for personal home insurance coverage" by ZIP code. The Division notes the data is "as of December 31, 2023," and "there is no guarantee that the coverage will be written." - Mitigation, then ask why. In its June 2026 wildfire-season release, the Division says some insurers may require more mitigation before they will issue a policy. If you've done the work and still can't get coverage, it suggests asking the insurer for "the exact reason they will not cover the property," and adds: "You can always request an in-person inspection of your property if one was not completed by the insurer." - A complaint. If you still have trouble, the Division invites you to file a complaint; it "may be able to assist," though not every issue is within its authority.

The Division's 2026 home insurance guide also describes the DF-1 dwelling fire form, which covers the house only (not belongings or liability) for a few perils. The guide says it "is used for vacation homes and when you can't find other coverage." Another option is surplus lines (below). See our national FAIR plan guide. [1][2][3][6][10][12][13][23][24]

If your insurer cancels or won't renew

Nevada's rules are in NRS 687B.310 to 687B.420. The Division's 2026 consumer guide summarizes them: "If your company chooses not to renew your policy, it must give you a notice 30 days prior to the expiration of your policy. You may ask the insurer for the reason."

- The first 70 days. Limits on midterm cancellation apply once a policy has been in effect at least 70 days or has been renewed. After that, an insurer may cancel only for nonpayment; conviction of a crime that increases the hazard; fraud or material misrepresentation; a new act, omission or policy violation that substantially increases the hazard; a material change in the risk; or a Commissioner's finding about the insurer's solvency or a violation of the Insurance Code. - Reasons in writing. Each notice must be delivered in person or mailed first class or certified, must give the effective date, and must come with "a written explanation of the specific reasons." If the notice isn't precise, the insurer must give you the facts within 6 days of your written request. - Late nonrenewal notice. If the insurer misses the 30-day deadline, it must renew your policy "on the identical terms as in the expiring policy." - Claims history. If you ask in writing for information for your renewal, your insurer must send you information on claims it paid on your behalf within 30 working days (it may charge a reasonable fee). - Dogs. An insurer can't refuse, cancel, non-renew or raise your rate based on your dog's breed, only on a particular dog known or declared to be dangerous or vicious. - Division review. NRS 687B.410 says that if you send the Division a written request within 30 days after receiving a cancellation or nonrenewal notice, the Division must review the grounds within 15 days. If the insurer can't show the grounds "by clear and convincing evidence," the cancellation or nonrenewal is deemed withdrawn. That section also covers insurers withdrawing from a whole class of insureds, so confirm with the Division whether it applies to your notice.

Inspection cancellations in the first 70 days: In Bulletin 26-002 (July 13, 2026), the Division said it had seen more insurers canceling new homeowners policies late in the 70-day underwriting period based on property inspections, when consumers "may have already canceled a prior policy." It told insurers they "should conduct property inspections prior to binding coverage whenever practicable" and reminded them of the unfair trade practices law.

We found no 2024-2026 change to the notice periods. See our nonrenewal guide. [4][5][10][14][22][25][26][27][28]

Wildfire mitigation discounts

A 2021 law (NRS 679B.129) let the Commissioner create a program of insurer incentives for wildfire mitigation, in consultation with the State Forester Firewarden. The Division's Wildfire Mitigation Incentive Program (Aug. 3, 2022) is voluntary: insurers may adopt any of its discounts and get faster approval. The program's ranges, as a share of the total policy premium, include:

These are the ranges the Division will approve quickly, not discounts any insurer must give. Ask your insurer which mitigation credits are in its Nevada rating plan.

The Division's June 2026 release lists low-cost steps: remove dead vegetation, trim overgrown trees and shrubs, consider a five-foot vegetation-free buffer around the home, clear roofs and gutters, and cover attic and under-eave vents with wire mesh no larger than one-eighth inch. It says this "may also help maintain access to insurance coverage" and points to Living With Fire for more. See our wildfire home hardening guide. [3][15][16][17]

Surplus lines in Nevada

Surplus lines insurers are not licensed (admitted) in Nevada, but a licensed broker may place coverage with one when it can't be bought from licensed insurers. Under NRS 685A.040, the full amount of insurance must not be available from a licensed insurer "after diligent effort has been made," and a lower price alone is not a valid reason to go to the surplus lines market. Nevada's property guaranty association covers claims only against insolvent insurers that held a Nevada certificate of authority, so it doesn't cover surplus lines policies. More in our surplus lines guide. [29][30]

Flood is separate

The Division says standard homeowners policies exclude flood, earthquake and war, which "require special insurance policies or special endorsements." After the 2026 fires, it also warned insurers that burn scars can cause flooding in areas that wouldn't normally be at risk. Our sister site FloodHawk covers flood zones and flood insurance. [10][19]

Where to get help

The Division's Consumer Services Section handles complaints, including "alleged improper cancellation or nonrenewal of an insurance policy."

• Toll free in Nevada: (888) 872-3234
• Carson City: (775) 687-0700
• Las Vegas: (702) 486-4009
• Online: the Division's complaint page

The Division asks you to try to resolve the problem with your insurer or agent first. Insurers generally must answer the Division within 20 business days. It cannot force a carrier to provide coverage or change a coverage decision, and filing a complaint does not extend any deadline in your policy or the law. [9][11][12]

Questions people ask